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Daily Chat thread 09/05/08
Morning fellow early worms!!!! Hope no one minds me starting off this morning, but found no one to chat to so thought i'd chat to myself instead!:o :D Hope that it is starting out as a warm sunny day all over the country! I found myself awake very early so have come downstairs and have hung a load of washing out already…
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I made it!!
Well I've been planning this thread for over 2 years now...and it feels sooooooooooooooo goddamn good to finally post it. :beer: In short - I'm no longer a "debt free wannabe"; I'm just debt free, plain and simple. And it feels so sweet. So to those of you who aren't there yet - I feel your pain, I sympathise and I promise…
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Your help needed with HFO services!
Hi all, Back in 2004 - 05 i had a mobile phone contract with hutchinson3g. I experienced nothing but problems with the signal reception and handset in general. So i wrote to them on a number of occasions to try and sort it out but didn't get anywhere. In the final letter i told them that i was canceling the contract…
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Happy Birthday Martin
Just to wish Martin a very happy birthday - Everyone here a DFW owes you a lot but seeing as we are all skint have a virtual drink on us instead! x x x :beer: :beer: *sorry its a bit girly - but i like sparkles!* x x
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Query about defaults
When do defaults drop off your credit reports??? I have a disputed default - had various letters off debt agencies discussed in other posts on here and the letters have now stopped as I have asked for proof of CCA etc. Anyway - I contacted the originator of the debt - NatWest and they can't find any trace of my original…
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I had a brief foray into the black... (bit of a rant)
Until i went nuts and started spending again.... :( Now i'm firmly back in the red. I am proud that i booked a hotel for our holiday on my credit card and immediately paid it out of my current account (not even out of my overdraft!).The same with a couple of summer dresses i bought. But now im back in the red, desperately…
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help for newbie
I'm in debt up to my eyeballs. In January i stupidly went with an agency on a dmp but can;t afford it and it seems that they have not paid some people as promised so will write saying i no longer want there services. I'm gonna call cccj with the web no i got tomorrow but really could do with a little sleep to ease me. a…
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CC balance transfer - can I request a higher limit?
The good news is that I've just been approved for a CC with a balance transfer rate of 2.5% as opposed to the 14% I'm paying at the moment. However, the credit limit they've given me is half what I was hoping for - I wanted to transfer my two highest interest rate cards onto the one lower card but won't be able to do that…
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made payment plan, but credit file shows missed payments still
Hi, I got into 4 arrears a last November with my Mortgage company. I came to an arrangement with them in December to pay the usual monthly Mortgage payment, plus an extra 100 pounds on top until the debt is paid off. I have done this (in fact above and beyond, as I've paid more than an extra 100 pounds each time). BUT my…
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Sick with Worry...
Hi All You may remember earlier this year i posted about problems to do with the council and my balcony. here are the full details: http://forums.moneysavingexpert.com/showthread.html?t=729255 Well i havent heard anythng until last week. I got a letter saying it was still leaking downstairs and they were coming back today…
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Gregory pennington/Think Banking Account
I just looked this up online- a managed bank account with gregory pennington called think banking. Just wanted to know if anyone had this account and what its like? I'm interested in it because I'm incurring a lot of fees on my current bank account (tried to claim back to no avail) and feel I need a managed account to help…
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Rock Bottom
This is the lowest I have been for ages, been working my !!!! off to get things sorted, pay money back, sell my van etc but it seems that every step I take I get pegged back by something else cropping up! Yesterday my Lower Rate loan (to combine all debts) gets turned down. Today I get a letter from Companies House…
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Lloyds TSB chasing me for a debt that isn't mine
Hi, I opened an account with Lloyds bank back in the 1980s. When I married my husband he joined Lloyds bank as well. Later in the mid 1990's he started a business (sole trader) and used my bank account as a business account. He had his details added to the account and that worked out well for many years. In 2002 he went to…
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Buchanan Clark & Wells
We used to get a lot of telephone calls for a sharon and john orr when we first moved in from finance companies I kept informing them that they didnt live here and managed to find out their correct address from the company and telephone book they are ex directory Had a few calls from Buchanan Clark & Wells to ring someone…
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PAP / Moozie's 'What Have You Spent Today?' thread Thurs 8th May
Afternoon everyone Couldn't find this thread anywhere, so thought i'd better start as have much to declare! £7.10 on prescription (!) £20.20 on train fare to visit OH at his parents but put in a claim for £127.06 of expenses, which helps! Keep it low everyone x
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DMP cancelled by payplan
Have just received an email from them saying that because we have no surplus to make payments they cannot help me in the current department and will be passing it onto the special advice team. It also says they will be sending a self help pack out and it will help us make direct payment to creditors ourselves :eek: . I…
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that sinking feeling....
Hi there all, I'm new on here and although my problems don't seem too bad (I'm not going lose my flat or anything) its really getting me down. I look at my online bank statement regularly and get that sinking feeling....Hope I don't seem like a drama queen... I seem to be getting bogged down with my debt. I'm in my late…
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Capquest don't want a full & Final
They will only accept the full amont which they arn't getting as its not my F***ing debt and I'm sick to death of it. DH will never be able to pay it off and I've already got a standing order for £3 a month but surely the admin alone eats up most of that. Should I just stop paying and see if they become any more helpful as…
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Credit Report Help Please
Hi all, Arrgh, I'm so cross with myself. It was only a few days ago that I was praising the helpfullness of DCA staff!! I shouldn't have spoken too soon. I have just signed up to check my credit reports on line, and I wish I had done this a year ago. Basically I had an Egg loan which was transferred to First Revenue, aka…
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Help please bailiffs on way!
Hi guys. need a bit of helpful advice from you all.. to cut a whole long story quite short.. a year and a half ago, my marriage broke down.. mainly due to money problems.. simply my husband wouldnt assist in paying our mountains of debt ... (he'd get paid and spend it all saying he earnt it, it was his money to do what he…
